American Express Westpac Altitude Black Bundle

Collect up to 120,000 bonus Altitude Rewards points when you meet the spend requirements and enjoy the perks of both a Mastercard and an Amex.

The American Express Westpac Altitude Black Card bundle offers you more spending power and rewards by giving you a credit card from American Express and a Mastercard from Westpac. Apply for this bundle by 27 November 2018 and you will earn a bonus 80,000 points when you make $3,000 worth of eligible purchases on the Westpac Altitude Black Mastercard in the first 90 days from card approval. You’ll collect another 40,000 bonus points by spending $3,000 on the Amex card in the first 90 days, giving you the potential to earn up to 120,000 total bonus Altitude points through this two-card package. Plus, take advantage of a reduced annual fee for the first year, saving you $199.

Product NameAmerican Express Westpac Altitude Black Bundle
Rewards ProgramWestpac Altitude Rewards
Purchase rate (p.a.)20.24% p.a.
Offer end date27 November 2018
Annual fee$250 p.a. annual fee for the first year ($449 p.a. thereafter)
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 45 days on purchases
Cash advance rate (p.a.)20.74% p.a.
Card TypeAmerican Express/Mastercard
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$65,000
Minimum Age18 years of age
Available To Temporary ResidentsNo
Annual fee$250 p.a. annual fee for the first year ($449 p.a. thereafter)
Late Payment Fee$30 Amex & $15 Westpac
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Additional Cardholder Fee$0

Pros

  • Enjoy a reduced $250 annual fee for the first year.
  • Receive 120,000 bonus Altitude Points (80,000 on the Mastercard and 40,000 on the Amex) when you spend $6,000 ($3,000 on the Mastercard and $3,000 on the Amex) within the first 90 days of card approval.
  • Earn up to 5 rewards points for your spending, uncapped.
  • Receive complimentary retail and travel insurance covers.
  • Two complimentary visits per year to the international Amex airport lounge in Sydney or Melbourne and two complimentary Priority Pass lounge passes.

Cons

  • These cards have an interest-free period of only up to 45 days on purchases as compared to other cards that offer up to 55 days interest-free.
  • The combined annual fee of $449 is high, even compared to other black card offerings.
Rewards ProgramWestpac Altitude Rewards
Bonus Points120,000 bonus points
Rewards Points per $ spent (VISA/MC)1.25
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ spent (AMEX)3
Rewards Points per $ (AMEX) CapUncapped

Features and benefits of the American Express Westpac Altitude Black Bundle

Here are the perks you can enjoy with the American Express Westpac Altitude Black bundle:

  • Bonus points offer. This card bundle offers you a total of up to 120,000 bonus Altitude Points when you apply by 27 November 2018 and meet each card’s spend requirements. With the Mastercard, you’ll collect a bonus 80,000 points when you spend $3,000 on eligible purchases in the first 90 days, while the Amex offers a bonus 40,000 points when you spend $3,000 in the first 90 days.
  • Save with a $250 first year annual fee. Sign up by 27 November 2018 and pay only the $250 annual fee for the Mastercard in the first year, saving you the $199 American Express annual fee.
  • Altitude Points per $1 spent. The American Express Westpac Altitude Black earns 5 points per $1 spent on foreign currency purchases, 3 points per $1 spent on eligible purchases in Australia and 1 point per $1 spent with government bodies in Australia. The Westpac Altitude Black Mastercard earns 1.25 points per $1 spent on eligible purchases. There is no points cap for either card.
  • Frequent flyer point options. The Westpac Altitude Rewards program lets you convert points to five different frequent flyer programs: Velocity, Air New Zealand Airpoints, Cathay Pacific Asia Miles, Singapore Airlines KrisFlyer and Malaysia Airlines Enrich.
  • Lounge access. You can enjoy two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports with the Amex card, as well as two complimentary Priority Pass lounge visits per year with the Mastercard.
  • Complimentary insurance. The American Express Westpac Altitude Black bundle offers complimentary international travel insurance and transit accident insurance, as well as purchase security insurance and extended warranty insurance.
  • Amex benefits. This card gives you access to exclusive shopping and lifestyle offers through Amex Offers, along with discount and pre-sale ticket offers through Amex Invites.

Rates and fees of the American Express Westpac Altitude Black Bundle

Here are the costs to consider when you’re comparing the American Express Westpac Altitude Black Bundle to other options:

  • Annual fee. The Westpac Altitude Black Mastercard charges a standard annual fee of $250, while the Amex card has an annual fee of $199. This means that outside of any promotion, you’ll pay a total of $449 p.a. for this two-card bundle.
  • Additional card fee. This card offers a $0 annual fee for additional cardholders.
  • Interest rate. The variable interest rate for purchases made on either of these cards is 20.24% p.a.
  • Cash advance rate. The Mastercard accrues interest at 20.74% p.a. for cash advances. However, cash advances are not available on the American Express.
  • Interest-free days. Both the Amex and Mastercard credit cards in this bundle offer up to 45 days interest-free on purchases when you pay your account balance in full by the due date on each statement.
  • Foreign transaction fee. Both cards charge a 3% foreign currency fee for each transaction made overseas or online with an international retailer.

How to apply for the American Express Westpac Altitude Black Bundle

If you’re already a Westpac Altitude Black cardholder, you can only apply for the American Express card if you receive an invitation and Personal Offer Code through Online Banking, email or in the post.

If you’re a new Altitude Black customer, you can apply for the American Express Westpac Altitude Black Card bundle online. Note that you can also apply for the Westpac Altitude Black Mastercard on its own but you must apply for both cards if you want the American Express option.

The American Express Westpac Altitude Black gives you a way to continue to earn Altitude Rewards points using an American Express credit card. This type of partnership is new in Australia, so make sure you review all the details carefully before you decide to apply.

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16 Responses

  1. Default Gravatar
    ThomasMay 4, 2018

    What is the conversion rate Westpac Altitude Points to SIA Krisflyer points?

    • finder Customer Care
      JeniMay 4, 2018Staff

      Hi Thomas,

      Thank you for getting in touch with finder.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      Redeem 3,000 Altitude points for 1,200 KrisFlyer Miles. Please allow 3 business days for the processing of each transfer request.

      You may see this info in altitude rewards page.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  2. Default Gravatar
    May 3, 2018

    Hi, I’m a bit confused. This is not the offer I received from Westpac/AMEX. It’s so similar but different. I received an invitation with a personal code to apply for AMEX Westpac Black Altitude card on its own (AMEX issued) not as a bundle (I still have my Westpac Visa Altitude card).

    The complimentary insurance appears to be underwritten my Allianz (I may not understand this bit) and seems quite comprehensive – definitely includes rental car excess.

    Other details mentioned are the same – the $199 annual fee, the rate of rewards earning. Will you be reviewing this card soon? I plan to auto-redeem all Altitude rewards to Velocity.

    • finder Customer Care
      JeniMay 4, 2018Staff

      Hi Shannon,

      Thank you for getting in touch with finder.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      The personal offerings from AMEX/Westpac are different to the cards that everyone can apply for. You can just choose whichever you want to apply for. If you want to get further info on this matter, you may contact Westpac directly. They also have chat facility on their official website so you can also clarify it without being on queue.

      You may want to check out this link about your Velocity auto-redemption enquiry.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  3. Default Gravatar
    gowriApril 30, 2018

    hi please call me I am just regarding this American express card
    to apply I want to know more information regarding this card.
    thanks
    gowri

    • finder Customer Care
      NikkiApril 30, 2018Staff

      Hi Gowri,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Unfortunately, we aren’t able to make a call. There is a live chat option in our website should you wish to obtain more information on the American Express Westpac Altitude Black Bundle or you may contact us here.

      Hope to hear from you soon!

      Regards,
      Nikki

  4. Default Gravatar
    JudithApril 9, 2018

    Where do I find the application format for the American Express Westpac Altitude Card?

    • finder Customer Care
      JeniApril 9, 2018Staff

      Hi Judith,

      Thank you for getting in touch with finder.

      At the moment, the American Express Westpac Altitude Black Card is only available to existing Westpac Altitude customers.

      If you’re eligible, Westpac will send you an invitation to apply via Online Banking, email or in the post. You can then apply online using your personal offer code.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  5. Default Gravatar
    PeterApril 8, 2018

    Does the new Amex Westpac Altitude black card travel insurance coverage include the excess on rental car hire with Avis?

    • finder Customer Care
      JeniApril 8, 2018Staff

      Hi Peter,

      Thank you for getting in touch with finder.

      If you are pertaining to the complimentary travel insurance, excess on rental car hire is not included.

      The American Express complimentary credit card insurance is provided by Chubb Insurance Australia Limited.

      If you have any more questions about the cover you get with your card, feel free to contact them directly.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  6. Default Gravatar
    AlanMarch 22, 2018

    I received a message on my Phone that my current Westpac Amex Card will expire soon and that I should advise Westpac if I need to renew it to cover recurring Payments. I need confirmation if I have any recurring Payments.

    • finder Customer Care
      JeniMarch 22, 2018Staff

      Hi Alan,

      Thank you for getting in touch with finder. I suggest that you contact them to make sure if you have any recurring payments. Just a friendly reminder, we do not represent any company we feature on our pages, we can offer you general advice.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  7. Default Gravatar
    NortonMarch 14, 2018

    been with westpac 35 years … still waiting for invitation for new American express card ?

    • finder Customer Care
      JeniMarch 14, 2018Staff

      Hi Norton,

      Thanks for getting in touch with finder. I can understand that you have been with Westpac for 35 years and you are waiting for an invitation for a new American Express card. I suggest that you also update your information with them because Westpac will send you an invitation to apply via Online Banking, email or in the post. If you have changed your address or been using an old email address that you haven’t used for a while so I recommend that you call or visit the branch to update your info and get your invitation or personal offer code.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Jeni

  8. Default Gravatar
    RobertMarch 3, 2018

    I am an existing Westpac American Express Card holder. How do I apply for the new card please?

    • finder Customer Care
      JhezelynMarch 6, 2018Staff

      Hi Robert,

      Thank you for your comment.

      If you’re eligible to apply for the American Express Westpac Altitude Black Card, you will be sent an invitation to apply via online banking, or via email and then use the personal offer code to apply online. This is only available to existing Westpac Altitude customers.

      Regards,
      Jhezelyn

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Rates last updated October 17th, 2018
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ANZ Low Rate
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